Browsing Category : Finance

Thoughts On Asset Allocation


Asset allocation is one of the tent poles in building a productive portfolio. In the past, we’ve discussed 3 main ways to build up a portfolio. But, let’s take a look at how we have our assets currently allocated. And then we’ll walk through what our strategy is going forward. Current Allocation Equities (92.5%) – This is currently where we have most…

Heating and Cooling LA


Have you ever heard of those crazy asinine questions that Google and other companies have become notorious for asking in their interview processes? You know what I mean… stupid crap, like this: How many haircuts do you think happen in America every year? OR How many cars travel across a bridge each day? OR Estimate the number of tennis balls…

Putting the Personal Back in Personal Finance


Investing strategies are an extremely personal thing.  I started looking at our investment strategy and I wanted to give a little color on what it is and how we think about it. First things first, we are using the market to do most of the heavy lifting at the moment.  We might diversify into some real estate here shortly, but…

$5MM is a Scary Number


Life is scary.  It’s Halloween after all.  You should be scared. At this point, we’ve all heard the Suze Orman interview on Afford Anything.  And I’m also sure at this point you’ve probably read most of the very judicious responses: Mr Money Mustache: https://www.mrmoneymustache.com/2018/10/05/the-fire-movement/  Coach Carson: https://www.coachcarson.com/suze-orman-fire-movement/ Big Ern: https://earlyretirementnow.com/2018/10/15/suze-orman-vs-fire-movement/ Hell, even Paula herself gave a great rebuttal on her own podcast: http://podcast.affordanything.com/154-youll-need-at-least-10-million-to-retire-early-says-suze-orman/ So,…

Guest Post – Why You Should Consider Buying a House


Today we have a guest post from Abandoned Cubicle.  It’s a great name, and a great blog.  He goes through all sorts of things, home ownership, bike commuting, general life annoyances.  His writing is funny and irreverent.  Go check him out… and in the meantime, enjoy:    Why should you consider buying a house? If you’re a skeptic of the…

The Great Debt Debate


Debt is one of those weird things.  It can be useful, if you use it properly.  Most times it’s bad.  It’s kind of like the opiates of personal finance.  Good if used in moderation for the proper purpose, really bad used in any other way. That being said, we have some debt.  Not all that much, but enough. Yeah, that’s…

Our Huge Tax Bill… Oops


You know what’s fun during tax season?  A call from your accountant. Why is he calling?  Taxes are due in 2 days, he usually just emails that everything is done, and then we e-sign it. Something must be up. So, I pick up the phone, “Hey, what’s going on?” I just wanted to call to discuss your tax situation with…

Simple Start to 401k For Those That Don’t Care


Well, it’s that time again.  I’m finally eligible for the 401k at my new job.  This one isn’t nearly as terrible as the previous one.  This time we have access to the full assortment of Vanguard funds.  Vanguard is also the provider so we are sitting pretty with the ER’s across the board. We don’t get a match, so those…

Leaving Wealthfront Behind


For several years now, we used Wealthfront for our taxable stock accounts.  It is a great service, in fact, I wrote about why I liked it so much a while ago. Well, like everything in life, things change.  And we’ve decided to move all our money away from Wealthfront and into Vanguard to hold our brokerage account. Why did we…